You're wrong.
The problem with a popular director making artful films like Million Dollar Baby is that pop audiences try to deconstruct the films as if the films are the Karate Kid or something. I just happened into this Web site and was surprised at the responses. (Some of you guys have GOT to be kidding. T_Hawk is the only person here who's on target.)
Other than the two needles and the narrator telling us that ONE injection was way more than enough, you should recall that Maggie said she would learn to make pies or something if Frankie were to get a little cabin someplace. Their faces are obscured by a cabin window in the very last scene, because the scene is not depicting them as they were in life but is depicting the scenario they dreamed/talked about.
To take it further, the entire film is a "metaphor" for life as the film's author sees life. People take desperate and impossible steps sometimes to pull themselves up from miserable situations. They throw themselves into life's fight and CHOOSE to get knocked around, to lean into danger rather than "run from it," as this film's narrator implies. In the end, the film's author is asking us to consider a number of questions about quality of life verses faith, as far as reasons for living go. (I personally disagree with allowing quality-of-life issues to win over faith.)
One of the more interesting reviews I've read is on a religious Web site:
http://www.explorefaith.org/film/millionDollarBaby.html
And Roger Ebert's review, as always, is a good overview:
http://rogerebert.suntimes.com/apps/pbcs.dll/article?AID=/20041214/REVIEWS/41201004/1023)
As to the stuff posted on THIS site, ... Wow.